Mobile Money Rwanda Ltd ifatanyije na NCBA Bank Rwanda, bamenyesheje abakiliya bakoresha serivisi za Mobile Money bizigamira cyangwa baka inguzanyo banyuze muri MoKash, ko hamuritswe serivisi nshya ebyiri za ‘Lock Savings’ na ‘Loan Top Up’.

Iyi serivisi ya Loan Top Up cyangwa ‘Gusaba inyongera ku nguzanyo’, izajya ifasha abakiliya kongera inguzanyo batarishyura iyo bari basanganywe.

Ije gukemura ikibazo cy’abantu bakaga inguzanyo, nyuma bakagira izindi mpamvu zitunguranye zituma bakenera andi mafaranga kandi igihe cyo kwishyura inguzanyo ya mbere kitararangira.

Intego ni ugufasha Abanyarwanda kongera ubushobozi bwo guhangana n’ibibazo by’ubukungu, kuborohereza mu mikoreshereze y’imari, no kongera uburyo bwo kubona inguzanyo mu buryo bworoshye.

Umukiliya ufite inguzanyo, azajya ashobora kongerwa andi mafaranga mu gihe cy’iminsi 20 nyuma yo guhabwa inguzanyo ya mbere.

Ayo mafaranga yandi agomba kuba ari mu ngano y’amafaranga ntarengwa umukiliya yemerewe kugurizwa.

Umuyobozi Mukuru wa Mobile Money Rwanda Ltd, Chantal Kagame, yavuze ko “Serivisi ya ’Loan Top Up’ igaragaza imiterere y’imibereho n’imirimo y’abakiliya bacu. Umucuruzi wo mu isoko ashobora kurangura ibicuruzwa uyu munsi, ejo akabona ko abakiliya bakeneye ibindi.”

Yakomeje ati “Binyuze muri MoKash, twifatanya na bo nk’umufatanyabikorwa mu by’imari wizewe, tubagezaho ubufasha bw’ako kanya bijyanye n’ubuzima bwabo bwa buri munsi. Iyi ntambwe ishimangira icyerekezo cyacu cyo guhanga serivisi z’imari zifashisha ikoranabuhanga zubakiye ku buryo abakiliya bacu babayeho, bakora cyangwa uko biteza imbere.”

Hashyizweho kandi serivisi ya ‘Lock Savings’ cyangwa ‘Konti ndakorwaho’. Ni uburyo bushya bufasha abakiliya ba MTN Mobile Money kwizigamira, bateganyiriza imishinga y’igihe kirekire.

Umukiliya uzajya ufungura iyi konti azajya abasha gukura amafaranga kuri MoMo cyangwa indi konti ya MoKash akayizigamiraho, hanyuma agahitamo igihe ayo mafaranga ajya amara adakoreshwa, kiri hagati y’ukwezi kumwe na 12.

Ayo mafaranga abitswe muri ubu buryo azajya yungukirwa inyungu ishobora kugera ku 8% ku mwaka.

Iyi serivisi yitezweho gutanga umusanzu mu guteganyiriza imishinga y’ahazaza nk’amafaranga y’ishuri, kwagura ubucuruzi n’ibindi.

Umuyobozi Mukuru wa NCBA Bank Rwanda, Maurice Toroitich, yavuze ko serivisi ya ’Lock Savings’ ishyigikira intumbero z’abakiliya zo kwiteza imbere.

Ati “Umubyeyi azajya azigamira amafaranga y’ishuri y’abana, umucuruzi azigamire ibyo kwagura ubucuruzi bwe, cyangwa ukiri muto azigamire ejo hazaza heza. Twifuza gufasha abakiliya bacu guhindura amafaranga binjiza mu gihe gito, ayabafasha gukura no kwaguka mu gihe kiri imbere.”

Kuva MoKash yatangizwa mu 2017, ikoreshwa n’abarenga miliyoni eshanu. Abagore bangana na 40%, urubyiruko rukangana na 60%. Ku munsi hatangwa inguzanyo inshuro ibihumbi 10.